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Mortgage Originator

Company: Guaranty Bank & Trust
Location: Austin
Posted on: November 26, 2022

Job Description:

We are eager to welcome you as a new *Mortgage Originator* to our team who will help us continue to drive change, create a fun and inclusive work environment while bringing creative and open- minded ideas to our people experience through the lens of our core values.

How do you know if this is the right opportunity for you?
We've included the traditional job responsibilities, but there are a few guiding principles taken directly from our Culture Book which we want to share to help you identify if your personal values align with ours, such as:

* We look at the organizational chart as a framework, not an enclosure.
* Everyone at Guaranty is an owner and business development ambassador, thanks to our ESOP.
* We do things the ethical and honest way every time because it's the only way.
* We are always looking ahead, reading ahead and thinking ahead.

This job performs a wide range of duties relating to the origination of residential mortgage loans from outside referrals. Assume overall responsibility for the residential mortgage loan from application to closing. Encompass is LOS used. Our company's culture supports customers in achieving their financial goals and dreams. You'll be able to help contribute to this by:

*Job Duties: *

* Originate conventional and Government mortgages.
* Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
* Keep up-to-date with conditions in the local real estate market and with changes in rules and regulations pertaining to both private and government-insured mortgages.
* Collect appropriate documentation from each applicant and deliver loan package in the timeframes set by management.
* Communicate complex approvals or denials to the borrower, real estate agent or builder.
* Maintain high levels of customer service while managing each applicant's and support staff's expectations.
* Make sales calls to potential and existing customers to retain current business and to develop new loans.
* Distribute market data, rate flyers and general loan information to the real estate community as directed by financial institution management.
* Represent the Bank in various civic community functions to further enhance its image.
* Comply with privacy policies and procedures to maintain customer confidentiality and information protection.
* Comply with all federal, state, and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures.
* Complete and pass all required regulatory compliance training as assigned.
* Perform any additional duties and tasks assigned by management.

*Qualifications & Skills: *

* Superior time management skills and efficient organizational skills.
* Ability to learn new technology as needed.
* Self-motivated with excellent interpersonal skills.
* Be a Team Player/Leader.
* Ability to work independently with minimal supervision while maintaining communication with supervisors and managers.
* Demonstrate professionalism in speech, demeanor and dress.
* Can handle sensitive information with the highest degree of integrity and confidentiality.

*Education, Experience & Licenses: *

* High School diploma or equivalent.
* College degree preferred or compensating experience in the mortgage industry.
* Minimum 1 year sales experience.
* Minimum 1 year experience with computer skills including Microsoft Word, Excel, and Outlook.
* 2+ years of mortgage experience.

Job Type: Full-time

Benefits:
* 401(k)
* 401(k) matching
* Dental insurance
* Flexible spending account
* Health insurance
* Life insurance
* Paid time off
* Parental leave
* Vision insurance
Schedule:
* 8 hour shift
* Monday to Friday
Supplemental pay types:
* Commission pay

Ability to commute/relocate:
* Austin, TX 78701: Reliably commute or planning to relocate before starting work (Required)

Experience:
* Mortgage servicing: 2 years (Preferred)
* Loan origination: 2 years (Preferred)
* Sales: 1 year (Preferred)

Work Location: Hybrid remote in Austin, TX 78701%58047475%

Keywords: Guaranty Bank & Trust, Austin , Mortgage Originator, Other , Austin, Texas

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